The quality may not be guaranteed. It is recommended to purchase from regular specialty stores. Credit card users will find that credit card statements often come with information on a series of mail-order installment products, mainly digital products such as mobile phones, cameras, and laptops. Users who hold multiple credit cards will find that even for the same product with the same issue, different banks have different pricing.

According to incomplete statistics from the reporter of "Daily Economic News", taking the 12-issue 32GB iPhone 4 black iPhone as an example, China CITIC Bank has the lowest total installment price, and Hua Xia Bank has the highest. The price difference between the two is more than 2,000 yuan. Industry insiders said that credit card installment business will occupy the bank's credit line, so the intensity of the installment business of each bank is different, and the quotations of product suppliers are also different, resulting in different pricing of the same product.

The difference between different suppliers and different prices is "too big." Ms. Wang, a white-collar worker, told the "Daily Economic News" that she was planning to buy the latest Apple mobile phone through the installment business of the credit card mall in the near future, but because of the After using three credit cards from different banks, I discovered that even for the same product with the same issue, different banks have different pricing.

According to incomplete statistics, the reporter took the 32GB iPhone 4 black iPhone with 12 installments as an example.

CITIC Bank’s total installment price was the lowest at 6,168 yuan (514 yuan × 12 installments) ).

Hua Xia Bank has the highest price, reaching 8,180 yuan (681.67 yuan × 12 issues), and the price difference between the two is more than 2,000 yuan.

The person in charge of the credit card of a joint-stock bank said in an interview with a reporter from the "Daily Economic News" that the bank's pricing will be different if the channels and suppliers of the same product are different. According to information on the bank's website, the supplier of this product to CITIC Bank is Beijing Yongte 365 Commercial Co., Ltd. Hua Xia Bank has not announced its supplier. Among other banks, China Merchants Bank’s price is 6,298 yuan (524.83 yuan × 12 issues, with a free Leqing Yuetu speaker), and the supplier is Shenzhen Kudong Digital Co., Ltd.; Ping An Bank’s price is 6,750 yuan (562.5 yuan × 12 issues) period, limited edition rush sale), the supplier is Shanghai Meicheng High-tech Co., Ltd.

It is worth mentioning that the supplier of this product of Shanghai Pudong Development Bank is the same as China Merchants Bank, Shenzhen Kudong Digital Co., Ltd., but its price is 800 yuan higher than that of China Merchants Bank, at 7,098 yuan ( 591.5 yuan × 12 issues).

The person in charge of the credit card told reporters that suppliers set prices based on quantity, and the higher the quantity, the lower the price; however, the credit card installment business will occupy the bank's credit line, limiting the scale of the installment business. "Due to differences in strategic goals and operating characteristics, each bank has different efforts to promote installment business, and the scale of the products is also different. Therefore, even the same supplier has different quotations for different banks."